Online shopping sites for redeeming loyalty points

ABSTRACT

An online shopping site can permit users to purchase items placed in a shopping cart. Purchasing options include paying with negotiable funds and paying with loyalty points of an entity. The entity can be a partner having an agreement with the provider of the online shopping site (referred to as a commerce partner). Per the agreement, the entity compensates the commerce partner for redeemed loyalty points. The compensation can be sufficient to pay the commerce partner for the items that were placed in the shopping cart plus the cost of providing the Web site. The items available for the online shopping site may be items that are not otherwise available to members of the loyalty program, who are able to redeem loyalty points directly with the entity for a restricted set of goods or services.

CROSS-REFERENCE TO RELATED APPLICATIONS

This is a continuation application of U.S. application Ser. No. 13/901,175 (filed May 23, 2013) soon to be issued as U.S. Pat. No. 8,540,152, which ultimately claims benefit back to application Ser. No. 11/420,255 filed on May 25, 2006, now U.S. Pat. No. 7,703,673.

More specifically, this application claims the benefit of Ser. No. 13/542,451 now issued U.S. Pat. No. 8,342,399, which was a continuation-in-part application of U.S. Pat. Nos. 7,703,673, 8,123,127, and 8,162,209. This application also claims the benefit of U.S. application Ser. No. 13/681,479 and Ser. No. 13/681,493, which claims the benefit of U.S. application Ser. No. 13/542,451, filed on Jul. 5, 2012, now U.S. Pat. No. 8,342,399 and U.S. application Ser. No. 13/168,814, filed on Jun. 24, 2011, now U.S. Pat. No. 8,376,224 as well as the benefit of Provisional Application No. 61/595,263 filed 6 Feb. 2012, Provisional Application No. 61/595,351 filed 6 Feb. 2012, and Provisional Application No. 61/595,429 filed 6 Feb. 2012; as well as claiming the benefit of application Ser. No. 11/420,255 filed on May 25, 2006, now U.S. Pat. No. 7,703,673.

The application also claims the benefit of U.S. Pat. Nos. 8,123,127; 8,162,209; 8,181,863; 8,181,864; 8,186,583; 8,201,734; 8,245,925; 8,267,315; 8,297,502; 8,313,023; 8,376,224; 8,511,550; 8,523,063; and 8,523,064.

The entire contents of each and every one of the above utility and provisional applications and patents are incorporated by reference herein in their entirety.

BACKGROUND

The present invention relates to the field of e-commerce and, more particularly, to online shopping sites for redeeming loyalty points.

Entities often reward consumers for utilizing their services with certain credits. These non-negotiable credits can often be applied towards products and/or services provided by a granting entity or its affiliates. For example, entertainment credits can be redeemed for prizes offered in a winnings storefront of an entertainment site. Many problems are inherent to the current techniques for the redemption of entity provided credits. One such problem is the restriction on usage to goods and/or services of the entity. That is, a consumer may have no need for the products or services listed by the entity for which the non-negotiable credits can be redeemed. Further, additional restrictions and limitations can be placed upon the non-negotiable credits that lessen the usefulness of non-negotiable credits from the consumer's perspective.

Another problem encountered by consumers when redeeming non-negotiable credits is time. Once a consumer submits a request to redeem their non-negotiable credits, the consumer must wait for the entity to perform one or more actions required to fulfill their request. These steps often require days or weeks to complete. Redemption delays can be irritating to all consumers but can be particularly aggravating to e-commerce consumers, who by nature of an e-commerce marketplace expect rapid responses and immediate consumer gratification.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 is a diagram of a system in which non-negotiable funds earned through a variety of actions or anticipated future actions are converted into negotiable funds in accordance with an embodiment of the inventive arrangements disclosed herein.

FIG. 2 is a flow chart of a method for the Web based granting and conversion of non-negotiable credits to negotiable funds in accordance with an embodiment of the inventive arrangements disclosed herein.

FIG. 3 is a depiction of successive GUIs that illustrate a web based credit granting event with credit redemption indicia and subsequent conversion of non-negotiable funds into negotiable funds in accordance with an embodiment of the inventive arrangements disclosed herein.

FIG. 4 is a depiction of a scenario and a set of GUIs for granting entertainment credits and presenting indicia for conversion opportunities of the non-negotiable funds earned by a consumer through interactions with the credit granting entity into negotiable funds in accordance with an embodiment of the inventive arrangements disclosed herein.

FIG. 5 is a depiction of a scenario and a set of GUIs for granting entertainment credits and directing a consumer to conversion opportunities of the non-negotiable funds earned by the consumer through a game of chance with the credit granting entity into negotiable funds in accordance with an embodiment of the inventive arrangements disclosed herein.

FIG. 6 is a depiction of a scenario and a set of GUIs for granting entertainment credits and directing conversion opportunities of the non-negotiable funds earned by a consumer through a gambling activity with the credit granting entity into negotiable funds in accordance with an embodiment of the inventive arrangements disclosed herein.

FIG. 7 is a schematic diagram of system for converting non-negotiable credits associated with a game providing entity to negotiable funds in accordance with an embodiment of the inventive arrangements disclosed herein.

DETAILED DESCRIPTION

As will be appreciated by one skilled in the art, aspects of the present invention may be embodied as a system, method or computer program product. Accordingly, aspects of the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment (including firmware, resident software, micro-code, etc.) or an embodiment combining software and hardware aspects that may all generally be referred to herein as a “circuit,” “module” or “system.” Furthermore, aspects of the present invention may take the form of a computer program product embodied in one or more computer readable medium(s) having computer readable program code embodied thereon.

Any combination of one or more computer readable medium(s) may be utilized. The computer readable medium may be a computer readable signal medium or a computer readable storage medium. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any suitable combination of the foregoing. More specific examples (a non-exhaustive list) of the computer readable storage medium would include the following: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or Flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.

A computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device.

Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing. Computer program code for carrying out operations for aspects of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, Smalltalk, C++ or the like and conventional procedural programming languages, such as the “C” programming language or similar programming languages. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the latter scenario, the remote computer may be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or the connection may be made to an external computer (for example, through the Internet using an Internet Service Provider).

Aspects of the present invention are described below with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each block of the flowchart illustrations and/or block diagrams, and combinations of blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions/acts specified in the flowchart and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer readable medium that can direct a computer, other programmable data processing apparatus, or other devices to function in a particular manner, such that the instructions stored in the computer readable medium produce an article of manufacture including instructions which implement the function/act specified in the flowchart and/or block diagram block or blocks.

The computer program instructions may also be loaded onto a computer, other programmable data processing apparatus, or other devices to cause a series of operational steps to be performed on the computer, other programmable apparatus or other devices to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide processes for implementing the functions/acts specified in the flowchart and/or block diagram block or blocks.

FIG. 1 is a diagram of a system 100 in which non-negotiable funds 136 earned from consumer incentive activities 122 are converted into negotiable funds 138 in accordance with an embodiment of the inventive arrangements disclosed herein. In one embodiment, multiple interactions 130 can occur between a person 110 and a credit providing entity 120, in which the person 110 participates in consumer incentive activities 122. During each interaction 130, an action or behavior 132 can be taken. With each successful completion of the consumer incentive activity 122, person 110 can receive credits 134 in the form of non-negotiable funds 136. In one interaction 130, action 132 can be a wager of a game of chance. In this instance, with each non-successful outcome of the game of chance, the person 110 can lose their wager 132.

Other actions 132 for earning credits 134 through interactions 130 with a credit providing entity 120 are contemplated. Such actions can, for example, result in the person 110 earning participation credits, achievement credits, sponsored initiative credits, social networking credits, or even advanced credits in a loan. All of these credits can be earned for a targeted purpose or goal set by the user him or herself or another entity such as a government or corporate entity (e.g., as a sponsored initiative such as a green initiative or a market promotion).

As mentioned, the types of credits 134 are non-negotiable funds 136. These funds 136 (e.g., credits 134) may not be redeemable on an open market. For example, vender 126 will not accept 118 the credits 134 for commercial transactions 114. A conversion agency 124, which is not directly associated 116 with the credit providing entity 120 can convert the non-negotiable funds 136 (which can be a quantity of credits 134) into negotiable funds 138. This conversion can occur in response to a request 112 by person 110.

Person 110 can conduct a commercial transaction 114 with vender 126. During the transaction 114, the person 110 can specify a user-selected set of requests 115 for goods and/or services 117 of the vender 126. The goods and/or services 117 can cost a quantity of negotiable funds 138, which are provided to the vender 126. In one embodiment, the negotiable funds 138 can be provided directly to the vender 126 by the conversion agency 124. In another, the negotiable funds 138 can be provided by the conversion agency 124 to person 110, who provides these funds 138 to the vender 126.

Numerous embodiments exist for conducting the conversions as described herein, a few of which are shown as embodiments 150, 160, and 170. Embodiment 150 shows an online embodiment, where a person 110 can interact (130) with a credit providing entity site 156 to participate in a consumer incentive activity 122. The commercial transactions 114 can be conducted via an e-commerce Web site 157. Additionally, the conversion agency 124 can implement a software based conversion service 158, which performs the conversion of the non-negotiable funds 136 into the negotiable funds 138. The Web sites 156, 157 and service 158 can run within one or more servers 154. These servers 154 can be connected to a client 152 via a network 153, where the client 152 is a computing device that user 110 interacts (130 and/or 114) with.

In one configuration of embodiment 150, the conversion service 158 can be linked to a payment option present in the E-commerce Web site 157, which operates in a manner similar to PAYPAL, GOOGLE CHECKOUT, and the like. That is, a payment option can be presented that permits goods/services of vender 126 to be purchased using (at least in part) funds 138 converted from credits 134, which were earned from the consumer incentive activities 122.

Embodiment 160 shows a portable artifact embodiment, where a person 110 stores entertainment credits 134 from the game of chance 122 upon a portable artifact 162, which can be a physical card with a magnetic strip, a RFID storage device, a flash memory card, or other tangible artifact able to store digitally encoded (or even analog encoded) data. Machines 164 upon which consumer incentive activities 122 are performed or recorded can include a reader/writer able to alter content stored on the portable artifact 162. Thus, actions 132 outcomes in credits 134 value can be recorded on the artifact 162. The person 110 can thereafter shop at a storefront of vender 126 and present a cashier 164 with the artifact 162. A cash register 165 used by the cashier 164 can be connected to a network 166. The conversion agency 124 can have a network element 168 connected to the network 166, which converts non-negotiable funds 136 on the artifact 162 into a quantity of negotiable funds 138 needed to complete the commercial transaction 114 conducted via the register 165 and cashier 164. From the perspective of the vender 126, the transaction 114 conducted via the register 165 is a “standard” transaction that results in the vender 126 receiving suitable negotiable funds 138 for providing the goods/services 117 to person 110.

Embodiment 170 shows an account transfer embodiment 170, where a person 110 participates in a consumer incentive activity 122 (e.g., in this instance a game of chance 172). Earnings (134, 136) from the consumer incentive activity 122 are recorded within a tangible data store 174 associated with the credit providing entity 120. This data store 174 can include an account 175 for the person 110, which tracks an amount of credits 134, which are non-negotiable funds 136, of the person 110. Conversion agency 124 can directly access the account 175 of data store 174 and can convert a quantity of credits 134 into negotiable funds 138, which are recorded in a tangible data store 176 that is not directly associated with entity 120. The data store 176 can include an account 177 for the person 110, which contains an amount of negotiable funds 138, of the person 110. A person 110 can conduct commercial transactions 114 via a machine 179, such as a kiosk, an ATM machine, etc., which involve funds of account 177 changing. In one embodiment, the goods/services 117 received from person 110 in embodiment 170 can include cash (such as from an ATM machine). This cash can be an amount of cash-back received during transaction 114, can be the transaction 114 itself and may involve a transaction fee, which is extracted from account 177 by machine 179.

The embodiments 150-170 are for illustrative purposes only and are not intended to be (or to be construed as being) exhaustive or comprehensive. For example, any combinations of the embodiments 150, 160, 170 are to be considered within scope of the disclosure. Thus, a consumer incentive activity 122 can be conducted via a Web site 156 (per embodiment 150), where a commercial transaction 114 using the converted entertainment credits 134 per agency 124 can be conducted at a storefront, where a cashier 164 interacts (130) with person 110. In another contemplated configuration, the consumer incentive activity 122 can be conducted with a machine 172 that places credits 134 in account 175 (per embodiment 170), which are converted and used to buy goods/services 117 via an e-commerce Web site 157 (per embodiment 150). In another contemplated configuration, credits can be earned via machine 164 and placed on artifact 162 (per embodiment 160), which can be placed in a machine 179, such as an ATM (per embodiment 170) to extract funds 138, which are converted (by agency 124) from the credits 134 stored on artifact 162.

In one embodiment, the conversion agency 124 can be compensated (e.g., charge a processing fee) for converting the non-negotiable funds 136 to negotiable funds 138. This fee can be paid to conversion agency 124 by the game providing entity 120, the person 110, and/or by the vender 126.

As used herein, consumer incentive activities 122 can be in the form of games, contests, or can occur based on certain consumer behavior, actions or purchases. A game can be structured playing, usually undertaken for enjoyment and sometimes used as an educational tool. A contest can be an event in which at least two teams or individuals compete. There may be an award to a winner or awards for multiple top performers, but a contest may be imposed for training. A contest may occur naturally, or be planned by the participants, rather than organized by another party.

Games are distinct from work, which is usually carried out for remuneration, and from art, which is more often an expression of aesthetic or ideological elements. However, the distinction is not clear-cut, and many games are also considered to be work (such as professional players of spectator sports/games) or art (such as jigsaw puzzles or games involving an artistic layout such as Mahjong, solitaire, or some video games). Key components of games can be goals, rules, challenge, and interaction. Games can generally involve mental or physical stimulation, and often both. Many games help develop practical skills, serve as a form of exercise, or otherwise perform an educational, simulational, or psychological role.

Credit providing entities 120 include any entity providing a consumer with credits based on user behavior, actions, achievements, and the like. Credit providing entities 120 can include corporations such as airlines, hotels, credit card companies, casinos, cruise ships, States (for lottery, scratch off games, etc.), churches, race tracks, online gambling site providers, e-commerce sites, slot-machine houses, carnivals, gambling parlors, companies (for promotional sweepstakes), High Schools (for raffles), and the like.

The action 132 can, in one embodiment, risk money, previously earned credits 134 or something of material value on an event with an uncertain outcome with intent on winning additional money, credits 134, and/or material goods/services. An amount of credits 134 earned from an interaction 130 with a credit providing entity 120 can vary in direct proportion to the user action, behavior, achievement, or the like.

Credits 134 are non-negotiable funds 136 that generally have no value outside of an environment (building, Web site, etc.) of the credit providing entity 120. For example, casinos (one embodiment of entity 120) generally utilize casino tokens, chips, or plaques to represent a quantity of entertainment credits 134. Online gambling sites 156 (and electronic gambling devices) often provide an account to a person 110, where entertainment credits 134 are managed within this account in a computer readable storage medium. In another example, hotel and car rental entities oftentimes afford customers loyalty points that can be redeemed only in future transactions with the hotel or car rental entity itself for certain upgrades or discounts (a form of credits 134). In yet another example, a grocery store may offer consumers a store card to receive special group member discounts to be applied at checkout and additional points for purchases made at the store; for instance, every dollar spent can earn the consumer a point and once the consumer achieves 100 credits in a month timeframe the credits can translate into a 10 cent discount per gallon of gas purchased at a participating gas station.

Use of credits 134, such as casino tokens, rewards points or discounts, can be more convenient than use of negotiable funds 138 for many reasons. For example, use of entertainment credits 134 makes theft and counterfeiting more difficult. Entertainment credits (which when having a physical representation are often a uniform size and weight) can be relatively easy to stack, count, etc. Additionally, studies have proven people (110) engage in consumption more freely (e.g., play games of chance with larger wagers and with greater frequency, or more readily purchase goods and services), when credits 134 are used or applied to the purchase, behavior, or activity, rather cash or other negotiable funds.

Additionally, use of credits 134, can have legal benefits that can permit entities 120 to conduct games of chance 122, which would be prohibited if negotiable funds 138 were utilized instead of entertainment credits 134. That is, numerous legal statutes and regulations exist that are more restrictive when consumer incentive activity earnings are in a form of negotiable funds 138. For example, in the instance that consumer incentive activity 122 is gambling, the Unlawful Internet Gambling Enforcement Act (UIGEA) of 2006 prohibits many online gambling activities with negotiable funds 138, which are permitted with certain forms of non-negotiable funds 136. For example, electronic fund transfers via credit cards or debit cards related to gambling winnings are generally prohibited by US banks. Similarly, wire transfers of negotiable funds 138 earned through gambling are legally prohibited in many instances. Many of these acts explicitly prohibit the transfer of negotiable funds from gambling earnings across state lines

Non-negotiable funds 136 can include any of a variety of financial instruments that are not legal currency and not governed under article 3 of the Uniform Commercial Code (UCC). For example, non-negotiable funds 136 can include IOUs issued by the credit providing entity 120. In one embodiment, non-negotiable funds 136 can include secured transactions, which take a security interest on collateral owned by the credit providing entity's 120 assets, which are subject to Article 9 of the UCC. In one embodiment, the non-negotiable funds 136 can include letters of credit, issued by the credit providing entity 120.

Negotiable funds 138 comprise a set of negotiable instruments, which are a specialized type of “contract” for the payment of money that is unconditional and capable of transfer by negotiation. As payment of money is promised later, the instrument itself can be used by the holder in due course frequently as money. Common examples include checks, banknotes (paper money), and commercial paper. Thus, negotiable funds 138 include currency, and instruments covered by Article 3 and 4 of the Uniform Commercial Code. For a writing to be a negotiable instrument under Article 3,[1] the following requirements must be met: 1) The promise or order to pay must be unconditional; 2) The payment must be a specific sum of money, although interest may be added to the sum; 3) The payment must be made on demand or at a definite time; 4) The instrument must not require the person promising payment to perform any act other than paying the money specified; 5) The instrument must be payable to bearer or to order. Additionally, negotiable funds include commercial paper, letters of credit (governed by Article 5 of the UCC), Bills of lading (governed by Article 7 of the UCC), securities (governed under Article 8 of the UCC), and deeds and other documents. One important consideration for many negotiable instruments (funds 138) is that they are payable to a bearer on demand.

The commercial transaction 114 can be one in which wherein the quantity of negotiable funds 138 are applied to user (110) specified (via request 115, for example) purchase of a good or service 117. Stated differently, a commercial transaction can be an economic transaction where person 110 receives a good or a service from vender 126 for value. Commercial transactions 114 can include a sale goods (117) from a storefront, a Web site, a catalog (mail order), over the phone, and the like. Transaction 114 can also include a payment for a service requested by person 110. Payment of the negotiable funds 138 during the commercial transaction 114 can occur before, after, or concurrent with the receipt (or shipping) of the goods or service 117. A contract (including specifics established by the parties (110 and 126) as well as legal defaults provided by the UCC or applicable common law/state law) between the vender 126 and person 110 established as part of the commercial transaction 114 can determine when payment (funds 138) for the goods/services 117 is due. In one embodiment, commercial transaction 114 can include transaction where currency is provided to person 110 by a vender 126 (a bank as part of an ATM transaction, for example) for a fee. This currency can be provided as a loan or as a withdrawal from an account of person 110, where the account includes the negotiable funds 138.

The conversion agency 124 can be a legal entity that converts non-negotiable funds 136 (including credits 134) into negotiable funds 138. The conversion agency 124 can lack a direct association 116 with the credit providing entity 120. In one embodiment, no legal relationship of enablement of corporate identity (no parent, subsidiary, etc.) relationship can exist between the conversion agency 124 and entity 120. No fiduciary duties under corporate law can exist between agency 124 and game providing entity 120. In one embodiment, agency 124 can be geographically located outside property owned or leased by the game providing entity 120. In another, it can lease space and provide its services from entity 120 owned/leased land. In one embodiment, the conversion agency 124 can support multiple different credit providing entities 120, which can be competitors of each other.

In one embodiment, the conversion agency 124 is not a bank or similar financial institution (and may therefore be outside the guidelines established by UIGEA and other statues and regulations, which impose restrictions on banks). In one embodiment, the conversion agency 124 may be located in the same jurisdiction as the credit providing entity (possibly to avoid legal entanglements/restrictions with operating in multiple or across jurisdictional boundaries) or may be located in a jurisdiction with favorable rules for performing the fund conversions.

In one embodiment, the conversion agency can be tasked with establishing and maintaining a conversion ratio 125. In another embodiment, it should be noted that the credit providing entity 120 can also predetermine a conversion ratio 125 for credits 134 that will govern the conversion of non-negotiable credits 136 to negotiable funds 138. In either embodiment, the conversion agency 124 will utilize conversion rate 125 in calculations associated with converting non-negotiable funds 136 to negotiable funds 138. The conversion ratio 125 can, in one embodiment act like a conventional exchange rate in that it defines the rate at which one currency (the credits 134) will be exchanged for another (negotiable funds 138). It can also be regarded as the value of one market's currency (credit market) in terms of another currency (real-world negotiable funds market).

In the retail currency exchange market, a different buying rate and selling rate can usually be quoted by money dealers. As referred to herein, the buying rate is the rate at which conversion agencies accept non-negotiable funds 136 for conversion to negotiable funds, and the selling rate can be the rate at which conversion agency 124 or other such entity as well as credit providing entities 120 can advance credits to person 110 for future actions 132. The quoted rates can incorporate an allowance for a conversion agency's margin (or profit) in trading, or else the margin may be recovered in the form of a “commission” or in some other way.

It should be noted that different rates 125 may also be quoted for different types of non-negotiable funds (e.g., casino chips, loyalty rewards point, and the like). In one embodiment, conversion ratio 125 can be a market based exchange rate and thus can change whenever the values of either of the two component currencies change. The market for non-negotiable funds 136 to negotiable funds 138 exchange can be influenced by times of year and special occasions (such as Christmas, the New Year celebrations, Valentine's Day, high travel season, and the like) to affect conversions of certain types of credits 134 based non-negotiable funds 136 to negotiable funds 138. In another embodiment, the conversion ratio 125 can be a fixed exchange rate, also known as a pegged exchange rate, which is a type of exchange rate regime wherein a currency's value is matched to the value of another single currency. The conversion ratio 125 in this instance does not fluctuate but is consistent and steady.

FIG. 2 is a flow chart of a method 200 for the Web based granting and conversion of non-negotiable credits to negotiable funds in accordance with an embodiment of the inventive arrangements disclosed herein. Method 200 can in one embodiment comprise steps 202 to 245. However, the following description of one embodiment of method 200 is not intended to be construed as limiting as other or additional steps for an entity granting a consumer entertainment credits and presenting indicia leading to credit redemption are contemplated.

Method 200 can begin in step 202, where the credit providing entity can reward a customer with entertainment credits for actions or behavior (or promised future actions or behavior) undertaken by the customer in response to a credit earning opportunity. In step 205, the credit providing entity can present a customer with indicia for redemption options for the customer earned entertainment credits. Indicia can be in the form of banners, radio buttons, pop-up windows, embedded links, audio and or video notification, QR or bar codes, flyers, and the like.

Upon user selection of the indicia advertised redemption option(s), the credit providing entity can in step 210 direct the customer to one or more rewards entities (e.g., a rewards web site) for credit redemption. In step 215, the rewards Web site utilizes user credentials provided by, for example, the credit providing entity of the customer or the customer him or herself to access the consumer's account information and determine the amount of non-negotiable credits in the consumer's account. The consumer optionally selects to supplement his or her available credits by engaging in a credit advance and elects to redeem some quantity of non-negotiable credits in step 220. If supported by the rewards Web site, the consumer can additionally select the form of negotiable funds to convert the non-negotiable credits.

In step 225, a ratio is determined for the conversion of the non-negotiable credits to the selected type of negotiable funds. This ratio can be determined by any of a variety of means including, but not limited to, an algorithm internal to the rewards Web site, an algorithm contained in a system that is remote and/or independent of the rewards Web site, and the like. An electronic commerce transaction is initiated in step 230 to establish the converted amount of negotiable funds in a user account. The quantity of converted non-negotiable credits is subtracted from the user's account in step 235. In step 240, the rewards Web site presents the consumer with an access means for the negotiable funds. Lastly, the consumer terminates the session by logging off the rewards Web site in step 245.

FIG. 3 is a depiction 300 of successive GUIs that illustrate a web based credit granting event with credit redemption indicia and subsequent conversion of non-negotiable funds into negotiable funds in accordance with an embodiment of the inventive arrangements disclosed herein.

GUI 302 shows an interface from a gambling Web site. A quantity of entertainment credits are earned on this site, which can be later converted by a conversion agency for use in buying/selling items from a vender, who does not accept the entertainment credits. The gambling Web site or credit providing entity website can include options to “play again” (i.e., repeat the credit earning behavior to potentially earn additional non-negotiable entertainment credits) and an indicia 305 for credit redemption opportunities. The indicia can be presented to a customer via a variety of means including but not limited to banners, radio buttons, pop-up windows, embedded links, audio and or video notification, QR or bar codes, flyers, and the like.

GUI 310 can be a checkout window from an e-commerce site. GUI 310 includes payment button 315, which represents a payment option that includes the conversion of non-negotiable credits to purchase the items in the shopping cart. Selection of payment button 315 by a user can produce GUI 320.

GUI 320 can be a display window from a conversion agency. GUI 320 includes display box 322 and buttons 325, 327. GUI 320 can be rendered by any of a variety of means including, but not limited to, a Web browser, a JAVA applet, a PERL script, and the like. In one embodiment, GUI 320 can be contained within the e-commerce site. GUI 320 can display the balance of non-negotiable, entertainment credits earned from one or more game providing entities. GUI 320 contains a means by which the user selects the type of non-negotiable credits to convert including, but not limited to, a set of radio buttons, a set of checkboxes, a highlighting mechanism, and the like. Display box 322 can display the monetary value of the selected non-negotiable credits. The value displayed in display box 322 can be based on preset conversion factors.

Button 325 can represent the initiation of the process by which the selected non-negotiable credits are converted to negotiable funds. Button 327 can allow a user to purchase additional entertainment credits at predetermined exchange rates or engage in a credit advance when the option is available to the customer. For example, a credit account holder may wish to engage in a loan policy for credits in exchange for a guarantee of future acts or behavior that would earn him or her non-negotiable credits. The credit loan is a policy that can take advantage of a credit account holder's lack of impulse control in regards to purchasing behavior by allowing a user to immediately purchase a desired good or purchase but delay payment until a later time. In another embodiment, the credit advance or loan can be an immediate purchase of non-negotiable credits with negotiable funds to supplement earned entertainment credits. Selection of button 325 by a user can produce GUI 330.

GUI 330 can be a display window from a conversion agency. GUI 330 includes yes button 332 and cancel button 333. GUI 330 can be rendered by any of a variety of means including, but not limited to, a Web browser, a JAVA applet, a PERL script, and the like. In one embodiment, GUI 330 can be contained within the e-commerce site. GUI 330 can display a summary message of the transaction initiated by GUI 320. GUI 330 can include a means to continue the transaction, yes button 332, and a means to cancel the transaction, cancel button 333. Selection of cancel button 333 by a user cancels the transaction and can return the user to GUI 320. Selection of yes button 332 by a user completes the transaction initiated in GUI 320 and can produce GUI 340.

GUI 340 can be a display window from the same said e-commerce site. GUI 340 can contain a message acknowledging the successful conversion of the user's non-negotiable credits into negotiable funds for the purchase of the items in the shopping cart.

FIG. 4 is a depiction 400 of a scenario 450 and a set of GUIs 410, 430 for granting entertainment credits and presenting indicia for conversion opportunities of the non-negotiable funds earned by a consumer through interactions with the credit granting entity into negotiable funds in accordance with an embodiment of the inventive arrangements disclosed herein.

Customer financial account 410 can include a user prompt 412 that can present the customer with his or her summary information, a user account overview 414, buttons for typical options such as pay balance 416 and request increased limit 418, credit indicator 422, and account navigation options 424. User account overview 414 can present the customer with one or more financial account types for the customer. Each account can be eligible for loyalty point accrual through a variety of options.

For example, user account type one could be eligible for a fixed 5 points per transaction credit reward and card two could allow varying levels of point accrual for different types of transactions (e.g., five point per dollar spent for automotive expenses, 3 points per dollar spent for travel and restaurants, and 1 point per dollar for all other purchases). Credit indicator 422 can provide the customer with a visual display of the number of loyalty points he or she has accrued to date and selecting the point specific account navigation option 424 can launch customer credit account GUI 430.

Customer credit account 430 GUI can include summary 432, redemption options 434, buttons for navigation such as a button to return to recent activity 436 (for example, GUI 410), and credit account specific navigation options 444, including an option to convert credits 446 to other payment artifacts (for example, transferring converted funds to a customer's PAYPAL account, or an entity specific gift card). Summary 432 can present the customer with an overview of the total balance of points earned to date (which can be visually seen via indicator 422.

Redemption option indicator 434 can present the customer with a selection of or all available options for spending his or her accrued loyalty points. Such options can include, but are not limited to, shopping at an exclusive discount designer boutique, an online mall, booking a flight with points, gifting points to another individual or donating points to an organization or cause, initiating a cash-back request based on a specified conversion ratio, paying a membership or subscription fee with points, and the like. It should be understood that each of these redemption options can be subject to a differing conversion rate set by either the conversion agency 124 or credit granting entity 120.

Scenario 550 depicts one viable scenario for a non-negotiable credits to negotiable funds purchase which can include interactions between a user 110, credit providing entity 120, conversion agency 124 and vender 126. It should be noted that the separate entities are not affiliated with one another and can be separate legal entities. User 110 can engage in a consumer incentive activity 132 provided by credit providing entity 120 which in turn provides user 110 with credits 134 as a reward for engaging in the sponsored activity. The non-negotiable credits 134 can be passed onto the conversion agency 124 upon a user request or a user initiation of a purchase with credits.

In one embodiment conversion agency 124 can be compensated for their services by the credit providing entity through compensation payment 552. In another embodiment, conversion agency 124 can build in compensation for their services through a processing or handling fee passed onto the user 110. Conversion agency 124 can then provide the user with access to negotiable funds 138 to be utilized in the user initiated transaction with vender 126. Vender 126, upon receipt of payment 138, can provide the user 110 with his or her desired good or service purchased.

FIG. 5 is a depiction 500 of a scenario 550 and a set of GUIs 510, 530 for granting entertainment credits and directing a consumer to conversion opportunities of the non-negotiable funds earned by the consumer through a game of chance with the credit granting entity into negotiable funds in accordance with an embodiment of the inventive arrangements disclosed herein.

Computer game 510 (accessed, for example, through a social networking site, online multiplayer games, etc.) can allow a user to accrue points or non-negotiable credits through a variety of options such as reaching certain levels, obtaining certain statuses, succeeding in a variety of user collaboration scenarios, and the like. When a user is awarded points a credit award notice 515 can inform the user that he or she has successfully completed a challenge or milestone and has been rewarded a number of entertainment credits. Credit award notice can include buttons for returning to the game 517 and continue accruing points and redeeming points 519. Should a user elect to redeem his or her points immediately, e-wards account GUI 530 can be launched.

E-wards account GUI 530 (e.g., redemption marketplace) can indicate a total user point balance, redemption options 532, and a browsing interface for selection 534, as well as include buttons to select 536 an option, and a back 538 button. Redemption options 532 can include, but are not limited to, game downloads and game items, memberships and subscriptions, trailers and previews, movies and TV show downloads, redeeming prepaid cards or promotional codes and viewing a user download or redemption history. Game downloads and game items can include a new game, special levels opening up upon a user reaching a certain level or completing a certain action in a game, an option to purchase upgrades to user equipment or game achievements, and the like. Memberships and subscriptions can include gym memberships, magazine or newspaper subscriptions, and the like. Other options and components for credit redemption are contemplated.

Non-negotiable credits to negotiable funds purchase scenario 650 can include interactions between a user 110, credit providing entity 120, conversion agency 124, and vender 126. User 110 can engage in game of chance 132 with credit providing entity 120 in exchange for non-negotiable credits 134. Non-negotiable credits 134 can then be passed on to conversion agency 124 for conversion to negotiable funds when requested by user 110 and can be returned to credit providing entity 120 for holding in a user account to be utilized on behalf of user 110 when requested.

Upon user 110 initiating a purchase with vender 126 through a request 115, credit providing entity 120 can provide vender 126 with negotiable funds 652 prompting vender 126 to provide user 110 with goods or services 117 (for example, a video download or streaming rental). In this instance, vender 126 does not accept non-negotiable credits 134 as payment and negotiable funds 652 are provided seamlessly so vender 126 is not aware of user 110 having paid in earned non-negotiable credits 134.

FIG. 6 is a depiction 600 of a scenario 650 and a set of GUIs 610, 630 for granting entertainment credits and directing conversion opportunities of the non-negotiable funds earned by a consumer through a gambling activity with the credit granting entity into negotiable funds in accordance with an embodiment of the inventive arrangements disclosed herein.

Gambling website 610 can provide an online gambling opportunity 612 for customers where customers can earn points or non-negotiable credits in exchange for wining a gambling game. The number of credits earned can depend on the specific wager or odds or be fixed to a set amount per play. Upon successful completion (i.e., a win) of gambling game 612, gambling website 610 can present the customer with notice 614 informing the customer of the number of credits he or she has won. In addition, gambling website 610 can present the user with an indicia button 616 to redeem points or an option to play again 618.

User selection of the redeem points button 616 can launch credit redemption options 630 GUI. Credit redemption GUI 630 can present a customer with his or her total credit balance 632 as well as credit redemption options 634. Redemption options 634 in this instance can include options to play more games with credit wagers, order room service in a casino hotel room when available, order in room entertainment such as movies or TV shows or even purchasing tickets to events, shopping for merchandise or initiating cash-out to a credit card or other payment artifact. An option to cancel and return to the game is also included.

Non-negotiable credits to negotiable funds purchase scenario 550 can include interactions between user 110, credit providing entity 120, conversion agency 124 and vender 126. In this embodiment's scenario, user 110 can play a gambling game 132 hosted by credit providing entity 120, which in turn can reward user 110 with non-negotiable credits 134 for participating in the gambling game. Non-negotiable credits 134 can be passed on to conversion agency 124 for conversion to non-negotiable funds 138 upon user initiation 115 of a transaction with vender 126. The conversion agency 124 can then upon conversion of non-negotiable credits 134 to negotiable funds 138 pass on the negotiable funds 138 to vender 126 as payment for the user requested goods/services 117. The vender can be unaware the funds are being transferred through the conversion agency 124 and thus from the vender's perspective the transaction is a regular transaction.

FIG. 7 is a schematic diagram of system 700 for converting non-negotiable credits associated with a credit providing entity to negotiable funds in accordance with an embodiment of the inventive arrangements disclosed herein. System 700 can represent a specific embodiment of system 100.

In system 700, consumer 705 can interact with a game of chance server 718, such as through a Web site 156 that server 718 provides. Interactions can occur via a browser 712, rich internet interface, or other software executing upon client 710. Consumer 705 can purchase goods/services from an e-commerce Web site 157 provided by e-commerce server 720. These goods/services can be purchased using negotiable funds that a conversion agency server 730 provides. The conversion agency server 730 can convert entertainment credits resulting from earnings of a game of chance (non-negotiable funds) into the negotiable funds.

Client 710 can be any of a variety of devices including, but not limited to, a personal computer, a kiosk, a telephone, a personal data assistant (PDA), a mobile phone, and the like. Client 710 can include hardware, such as a processor, a memory, and a bus connecting them (as can server 718, 720, 730, 740, and/or 750). The hardware can execute computer program products (software/firmware) that is stored in a non-transitory storage medium. In one embodiment, client 710 can operate in a stand-alone fashion. Alternatively, client 710 can be a device that cooperatively participates in a network of distributed computing devices. Network 715 can facilitate data exchanges over wireless as well as line-based communication pathways and protocols.

In one embodiment, consumer 705 and conversion agency server 730 can interact with associate server 750, e-commerce server 720, and/or financial institution server 740 via network 715. Conversion agency server 730 includes user account data store 735 in which consumer 705 is a member. Associate server 750 includes customer data store 755 in which consumer 705 is a member. Financial institution server 740 includes account data store 742. Account data store 742 includes conversion agency account 744 corresponding to conversion agency 730.

Consumer 705 can earn non-negotiable credits from games provided by server 718. These earnings (non-negotiable credits) can be managed by associate server 750. The quantity of these non-negotiable credits can be saved in customer data store 755. Consumer 705 can use conversion agency server 730 to convert the non-negotiable credits from associate server 750 into negotiable funds provided to the e-commerce server 720 or financial institution 740. In one embodiment, conversion agency 730 can maintain multiple accounts for the consumer 705. These different accounts can be associated with different game providing entities, and with different types of non-negotiable credits.

For example, consumer 705 can earn 500 credits from participating in an online game hosted by server 718. Consumer 705 can choose to use conversion agency 730 to convert any or all of these credits to a monetary equivalent. Conversion agency 730 withdraws the necessary amount from conversion agency account 744 contained within the account data store 742 of financial institution 740 and transfers it to an account specified by consumer 705. In another example, consumer 705 uses conversion agency 730 to complete a purchase at e-commerce server 720. Again, conversion agency 730 withdraws the necessary amount from conversion agency account 744 contained within the account data store 742 of financial institution 740 and transfers it to the account of e-commerce server 720.

E-commerce server 720 can provide a Web site that supports online purchases of goods or services. In one embodiment, e-commerce server 720 can include a distinct payment option for conversion agency 730. This distinct payment option could process the conversion of credits through their Web site. Alternatively, the distinct payment option could launch an application to process the conversion of credit that is separate from their Web site. In another embodiment, associate server 750 can act as e-commerce server 720. In one embodiment, e-commerce server 720 can provide a software service (or can execute a software module) that permits the sale of goods or services, without necessarily providing a Web site. Further, e-commerce server 720 can be directly replaced with back-end system of a storefront server, serving the same relative functions as described in system 700 of facilitating the sales of goods/services.

Financial institution server 740 can be any of a variety of entities including, but not limited to, a bank, a credit card company, an investment firm, and the like. In one embodiment, financial institution server 740 can reside in the same country as consumer 705 associate server 750, and/or game of chance server 718. In another embodiment, financial institution server 740 can reside in a country other than that of consumer 705 and/or associate server 750.

As shown herein, data stores 755, 735, 742, 176, 174, and the like can be physically implemented within any type of hardware including, but not limited to, a magnetic disk, an optical disk, a semiconductor memory, a digitally encoded plastic memory, a holographic memory, or any other recording medium. Each of the data stores 755, 735, 742, 176, 174 can be stand-alone storage units as well as a storage unit formed from a plurality of physical devices, which may be remotely located from one another. Additionally, information can be stored within each data store 755, 735, 742, 176, 174 in a variety of manners. For example, information can be stored within a database structure or can be stored within one or more files of a file storage system, where each file may or may not be indexed for information searching purposes.

The network 715 can include any hardware/software/firmware necessary to convey digital content encoded within carrier waves. Content can be contained within analog or digital signals and conveyed through data or voice channels and can be conveyed over a personal area network (PAN), a local area network (LAN), or a wide area network (WAN). The network 715 can include local components and data pathways necessary for communications to be exchanged among computing device components and between integrated device components and peripheral devices. The network 715 can also include network equipment, such as routers, data lines, hubs, and intermediary servers which together form a packet-based network, such as the Internet or an intranet. The network 715 can further include circuit-based communication components and mobile communication components, such as telephony switches, modems, cellular communication towers, and the like. The network 715 can include line based and/or wireless communication pathways.

The present invention may be realized in hardware, software, or a combination of hardware and software. The present invention may be realized in a centralized fashion in one computer system or in a distributed fashion where different elements are spread across several interconnected computer systems. Any kind of computer system or other apparatus adapted for carrying out the methods described herein is suited. A typical combination of hardware and software may be a general purpose computer system with a computer program that, when being loaded and executed, controls the computer system such that it carries out the methods described herein.

The present invention also may be embedded in a computer program product, which comprises all the features enabling the implementation of the methods described herein, and which when loaded in a computer system is able to carry out these methods. Computer program in the present context means any expression, in any language, code or notation, of a set of instructions intended to cause a system having an information processing capability to perform a particular function either directly or after either or both of the following: a) conversion to another language, code or notation; b) reproduction in a different material form.

This invention may be embodied in other forms without departing from the spirit or essential attributes thereof. Accordingly, reference should be made to the following claims, rather than to the foregoing specification, as indicating the scope of the invention.

The flowchart and block diagrams in the Figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems that perform the specified functions or acts, or combinations of special purpose hardware and computer instructions. 

What is claimed is:
 1. A method comprising: initiating, via computing equipment having at least one processor executing program instructions that are digitally encoded in at least one storage device, a commerce transaction between a member and a commerce partner, wherein the commerce partner owns or controls an online shopping site through which the commerce transaction takes place; receiving, via computing equipment having at least one processor executing program instructions that are digitally encoded in at least one storage device, a selection from the member of one or more items for purchase through the online shopping site; responsive to receiving the selection, adding, via computing equipment having at least one processor executing program instructions that are digitally encoded in at least one storage device, the one or more items per the selection to a shopping cart of the online shopping site, wherein the shopping cart is a shopping cart for the member; after the shopping cart includes the one or more items, providing, via computing equipment having at least one processor executing program instructions that are digitally encoded in at least one storage device, a plurality of options through which the member is able to pay for the items in the shopping cart, wherein the plurality of options include an option to pay for the items in the shopping cart using negotiable funds, wherein the options further include an option for paying for the items using loyalty points that the member has earned through a loyalty program of an entity, wherein the loyalty program is not a loyalty program of the commerce partner; wherein the entity is not a parent or subsidiary of the commerce partner, wherein the commerce partner is not a parent or subsidiary of the entity, wherein said loyalty points are non-negotiable credits, wherein the loyalty points are maintained in a loyalty program account owned or controlled by the entity, wherein the entity redeems loyalty points per the loyalty point program for a restricted list of goods or services, wherein the one or more items in the shopping cart are not in the restricted list; wherein an agreement exists between the entity and the commerce partner, wherein the agreement permits members to purchase items from the online shopping site by redeeming earned loyalty points at the online shopping site, wherein the agreement specifies that the entity is to compensate the commerce partner in an agreed upon amount of cash or credit for sets of loyalty point that are redeemed through the online shopping site, wherein compensation received by the commerce partner per the agreement is at least sufficient to offset costs to the commerce partner of providing the member with the one or more items in the shopping cart through the online shopping site, wherein in absence of the agreement through which compensation is obtained for redeemed loyalty points, the commerce partner does not redeem the loyalty points via the online shopping site; receiving, via computing equipment having at least one processor executing program instructions that are digitally encoded in at least one storage device, a selection of the option from the online shopping site to pay for the items in the shopping cart by expending a quantity of the loyalty points; responsive to receiving the option to pay using loyalty points, completing, via computing equipment having at least one processor executing program instructions that are digitally encoded in at least one storage device, a checkout process of the online shopping site, wherein during the checkout process the member pays for the one or more items in the shopping cart by expending the quantity of loyalty points; after the checkout process, indicating, via computing equipment having at least one processor executing program instructions that are digitally encoded in at least one storage device, to the member via the online shopping site that the one or more items have been purchased; and recording, via computing equipment having at least one processor executing program instructions that are digitally encoded in at least one storage device, the quantity of loyalty points redeemed during the checkout process as proof to ensure the commerce partner receives compensation from the entity for redeeming the quantity of loyalty points per the agreement.
 2. The method of claim 1, wherein the online shopping site is an e-commerce Web site.
 3. The method of claim 1, wherein shopping via the online shopping site earns the member different loyalty points in a different loyalty program that is owned or controlled by the commerce partner.
 4. The method of claim 3, wherein the online shopping site converts the quantity of loyalty points into a quantity of different loyalty points during the checkout process, wherein a resulting quantity of different loyalty points are used to pay for the one or more items.
 5. The method of claim 1, wherein the online shopping site permits the member to expend quantities of a plurality of different loyalty program points from a plurality of different programs controlled by a plurality of different companies, during the checkout process to pay for the one or more items in the shopping cart, wherein the different companies include the entity.
 6. The method of claim 1, wherein computing equipment performing at least a portion of the steps of the method is computing equipment for serving Web pages of the online shopping site to customers.
 7. The method of claim 1, wherein the loyalty program is a credit card loyalty program, wherein the entity is a financial service company that provides a credit card to the member.
 8. The method of claim 1, wherein the loyalty program is a hotel loyalty program, wherein the restricted list of goods or services comprise lodging services.
 9. The method of claim 1, wherein the loyalty program is an airline loyalty program, wherein the restricted list of goods or services comprise travel services for an airline.
 10. The method of claim 1, wherein the loyalty points comprise points earned from playing a game.
 11. A method comprising: at least one computing device, executing program instructions stored in at least one non-transitory storage medium, establishing an account for loyalty points of a loyalty program of an entity, wherein said loyalty points are non-negotiable credits earned by a member of the loyalty program, wherein the loyalty points are maintained in a loyalty program account owned or controlled by the entity, wherein the entity redeems loyalty points per the loyalty point program for a restricted list of goods or services; at least one computing device, executing program instructions stored in at least one non-transitory storage medium, detecting interactions between the entity and at least one of the one or more users, each of the interactions earning a quantity of loyalty points, wherein the quantity of non-negotiable credits from the interactions are added to the account; wherein an agreement exists between the entity and a commerce partner, wherein the commerce partner owns or controls an online shopping site through which the commerce transaction takes place, wherein the agreement permits members to purchase items from the online shopping site that have already been placed in a shopping cart for checkout by redeeming the loyalty points of the account at the online shopping site, wherein redeemed loyalty points offset costs charged by the commerce partner for the items in the shopping cart, wherein the online shopping site permits items placed in the shopping cart to be paid for by expending quantities of the loyalty points, by expending quantities of negotiable funds, or by expending quantities of the loyalty points and by expending quantities of negotiable funds, wherein the agreement specifies that the entity is to compensate the commerce partner in an agreed upon amount of cash or credit for each of the member possessed loyalty points that are redeemed through the online shopping site, wherein compensation received by the commerce partner per the agreement is at least sufficient to overcome costs to the commerce partner of providing the member with the items in the shopping cart paid for using the loyalty points, wherein in absence of the agreement through which compensation is obtained for redeemed loyalty points, the commerce partner does not redeem the loyalty points; at least one computing device, executing program instructions stored in at least one non-transitory storage medium, receiving a message from the online shopping site that a quantity of loyalty points were redeemed during a checkout process to pay for items placed in a shopping cart of the online shopping site; at least one computing device, executing program instructions stored in at least one non-transitory storage medium, subtracting the quantity of the loyalty points from the account; and at least one computing device, recording the quantity of loyalty points redeemed during the checkout process to ensure the commerce partner receives compensation for redeeming the quantity of loyalty points from the entity per the agreement, wherein the entity is not a parent or subsidiary of the commerce partner, wherein the commerce partner is not a parent or subsidiary of the entity, wherein said loyalty points are non-negotiable credits, wherein items from the online shopping site are not in the restricted list of goods or services.
 12. The method of claim 11, wherein the online shopping site is an e-commerce Web site.
 13. The method of claim 11, wherein the loyalty program is a credit card loyalty program, wherein the entity is a financial service company that provides a credit card to the member.
 14. The method of claim 11, wherein the loyalty program is a hotel loyalty program, wherein the restricted list of goods or services comprise lodging services.
 15. The method of claim 11, wherein the loyalty program is an airline loyalty program, wherein the restricted list of goods or services comprise travel services for an airline.
 16. The method of claim 11, wherein the loyalty points comprise points earned from playing a game.
 17. A method comprising: a computer serving a set of one or more Web pages for an e-commerce site of a commerce partner to one or more remotely located client machines, wherein the Web pages are able to be rendered within a client-side browser as a graphical user interface on the one or more client machines, wherein upon being rendered within the client-side browser said graphical user interface shows a quantity of non-negotiable credits, wherein said non-negotiable credits are loyalty points of the loyalty program possessed by a member, wherein the loyalty points are maintained in a loyalty program account owned or controlled by the entity, wherein the entity redeems loyalty points per the loyalty point program for a restricted list of goods or services, wherein an agreement exists between the entity and the commerce partner, wherein the agreement permits members to purchase items from the e-commerce site by redeeming the loyalty points at the e-commerce site, wherein the agreement specifies that the entity is to compensate the commerce partner in an agreed upon amount of cash or credit for each of the member held non-negotiable credits that are redeemed through the e-commerce site; the computer receiving item selections from the member to purchase items via the e-commerce site; the computer adjusting a served set of Web pages to place the set of items within a shopping cart of the e-commerce Web site, wherein the set of items are not in the restricted list; the computer adjusting a served set of Web pages to place the set of items within a shopping cart of the e-commerce Web site; the computer providing a set of checkout options for items in the shopping cart, wherein the checkout options include an option to pay for the items in the shopping cart using negotiable funds, wherein the checkout options further include an option for paying for the items using loyalty points that the member has earned through a loyalty program of an entity, wherein the loyalty program is not a loyalty program of the commerce partner; the computer, receiving a user selection of an option to pay for the items in the shopping cart using loyalty points; the computer responsive to receiving the user selection, processing the selection to effectuate changes in the served set of Web pages; responsive to the processing, the computer serving one or more Web pages or Web page updates that include the effectuated changes to the one or more remotely located client machines, wherein upon being rendered within the client-side browser the graphical user interface is updated with the effectuated changes, wherein the updated graphical user interface shows that the one or more items previously in the shopping cart have been purchased by expending quantities of the loyalty points; and the computer recording expended quantities of loyalty points as proof to ensure the commerce partner receives compensation from the entity for redeeming the quantity of loyalty points per the agreement.
 18. The method of claim 17, wherein the loyalty program is a credit card loyalty program, wherein the entity is a financial service company that provides a credit card to the member.
 19. The method of claim 17, wherein the loyalty program is a hotel loyalty program, wherein the restricted list of goods or services comprise lodging services.
 20. The method of claim 17, wherein the loyalty program is an airline loyalty program, wherein the restricted list of goods or services comprise travel services for an airline.
 21. A computer program product comprising: one or more non-transitory computer-readable mediums; program instructions, stored on at least one of the one or more non-transitory computer-readable mediums, for initiating a commerce transaction between a member and a commerce partner, wherein the commerce partner owns or controls an online shopping site through which the commerce transaction takes place; program instructions, stored on at least one of the one or more non-transitory computer-readable mediums, for receiving a selection from the member of one or more items for purchase through the online shopping site; program instructions, stored on at least one of the one or more non-transitory computer-readable mediums, for, responsive to receiving the selection, adding the one or more items per the selection to a shopping cart of the online shopping site, wherein the shopping cart is a shopping cart for the member; program instructions, stored on at least one of the one or more non-transitory computer-readable mediums, for, after the shopping cart includes the one or more items, providing a plurality of options through which the member is able to pay for the items in the shopping cart, wherein the plurality of options include an option to pay for the items in the shopping cart using negotiable funds, wherein the options further include an option for paying for the items using loyalty points that the member has earned through a loyalty program of an entity, wherein the loyalty program is not a loyalty program of the commerce partner; wherein the entity is not a parent or subsidiary of the commerce partner, wherein the commerce partner is not a parent or subsidiary of the entity, wherein said loyalty points are non-negotiable credits, wherein the loyalty points are maintained in a loyalty program account owned or controlled by the entity, wherein the entity redeems loyalty points per the loyalty point program for a restricted list of goods or services, wherein the one or more items in the shopping cart are not in the restricted list; wherein an agreement exists between the entity and the commerce partner, wherein the agreement permits members to purchase items from the online shopping site by redeeming earned loyalty points at the online shopping site, wherein the agreement specifies that the entity is to compensate the commerce partner in an agreed upon amount of cash or credit for sets of loyalty point that are redeemed through the online shopping site, wherein compensation received by the commerce partner per the agreement is at least sufficient to offset costs to the commerce partner of providing the member with the one or more items in the shopping cart through the online shopping site, wherein in absence of the agreement through which compensation is obtained for redeemed loyalty points, the commerce partner does not redeem the loyalty points via the online shopping site; program instructions, stored on at least one of the one or more non-transitory computer-readable mediums, for receiving a selection of the option from the online shopping site to pay for the items in the shopping cart by expending a quantity of the loyalty points; program instructions, stored on at least one of the one or more non-transitory computer-readable mediums, for, responsive to receiving the option to pay using loyalty points, completing a checkout process of the online shopping site, wherein during the checkout process the member pays for the one or more items in the shopping cart by expending the quantity of loyalty points; program instructions, stored on at least one of the one or more non-transitory computer-readable mediums, for, after the checkout process, indicating to the member via the online shopping site that the one or more items have been purchased; and program instructions, stored on at least one of the one or more non-transitory computer-readable mediums, for recording the quantity of loyalty points redeemed during the checkout process as proof to ensure the commerce partner receives compensation from the entity for redeeming the quantity of loyalty points per the agreement.
 22. The computer program product of claim 21, wherein the online shopping site is an e-commerce Web site.
 23. The computer program product of claim 21, wherein shopping via the online shopping site earns the member different loyalty points in a different loyalty program that is owned or controlled by the commerce partner.
 24. The computer program product of claim 23, wherein the online shopping site converts the quantity of loyalty points into a quantity of different loyalty points during the checkout process, wherein a resulting quantity of different loyalty points are used to pay for the one or more items.
 25. The computer program product of claim 21, wherein the online shopping site permits the member to expend quantities of a plurality of different loyalty program points from a plurality of different programs controlled by a plurality of different companies, during the checkout process to pay for the one or more items in the shopping cart, wherein the different companies include the entity.
 26. The computer program product of claim 21, wherein computing equipment performing at least a portion of the steps of the method is computing equipment for serving Web pages of the online shopping site to customers.
 27. The computer program product of claim 21, wherein the loyalty program is a credit card loyalty program, wherein the entity is a financial service company that provides a credit card to the member.
 28. The computer program product of claim 21, wherein the loyalty program is a hotel loyalty program, wherein the restricted list of goods or services comprise lodging services.
 29. The computer program product of claim 21, wherein the loyalty program is an airline loyalty program, wherein the restricted list of goods or services comprise travel services for an airline.
 30. The computer program product of claim 21, wherein the loyalty points comprise points earned from playing a game.
 31. A computer program product comprising: one or more non-transitory computer-readable mediums; program instructions, stored on at least one of the one or more non-transitory computer-readable mediums, for establishing an account for loyalty points of a loyalty program of an entity, wherein said loyalty points are non-negotiable credits earned by a member of the loyalty program, wherein the loyalty points are maintained in a loyalty program account owned or controlled by the entity, wherein the entity redeems loyalty points per the loyalty point program for a restricted list of goods or services; program instructions, stored on at least one of the one or more non-transitory computer-readable mediums, for detecting interactions between the entity and at least one of the one or more users, each of the interactions earning a quantity of loyalty points, wherein the quantity of non-negotiable credits from the interactions are added to the account; wherein an agreement exists between the entity and a commerce partner, wherein the commerce partner owns or controls an online shopping site through which the commerce transaction takes place, wherein the agreement permits members to purchase items from the online shopping site that have already been placed in a shopping cart for checkout by redeeming the loyalty points of the account at the online shopping site, wherein redeemed loyalty points offset costs charged by the commerce partner for the items in the shopping cart, wherein the online shopping site permits items placed in the shopping cart to be paid for by expending quantities of the loyalty points, by expending quantities of negotiable funds, or by expending quantities of the loyalty points and by expending quantities of negotiable funds, wherein the agreement specifies that the entity is to compensate the commerce partner in an agreed upon amount of cash or credit for each of the member possessed loyalty points that are redeemed through the online shopping site, wherein compensation received by the commerce partner per the agreement is at least sufficient to overcome costs to the commerce partner of providing the member with the items in the shopping cart paid for using the loyalty points, wherein in absence of the agreement through which compensation is obtained for redeemed loyalty points, the commerce partner does not redeem the loyalty points; program instructions, stored on at least one of the one or more non-transitory computer-readable mediums, for receiving a message from the online shopping site that a quantity of loyalty points were redeemed during a checkout process to pay for items placed in a shopping cart of the online shopping site; program instructions, stored on at least one of the one or more non-transitory computer-readable mediums, for subtracting the quantity of the loyalty points from the account; and program instructions, stored on at least one of the one or more non-transitory computer-readable mediums, for recording the quantity of loyalty points redeemed during the checkout process to ensure the commerce partner receives compensation for redeeming the quantity of loyalty points from the entity per the agreement, wherein the entity is not a parent or subsidiary of the commerce partner, wherein the commerce partner is not a parent or subsidiary of the entity, wherein said loyalty points are non-negotiable credits, wherein items from the online shopping site are not in the restricted list of goods or services.
 32. The computer program product of claim 31, wherein the online shopping site is an e-commerce Web site.
 33. The computer program product of claim 31, wherein the loyalty program is a credit card loyalty program, wherein the entity is a financial service company that provides a credit card to the member.
 34. The computer program product of claim 31, wherein the loyalty program is a hotel loyalty program, wherein the restricted list of goods or services comprise lodging services.
 35. The computer program product of claim 31, wherein the loyalty program is an airline loyalty program, wherein the restricted list of goods or services comprise travel services for an airline.
 36. The computer program product of claim 31, wherein the loyalty points comprise points earned from playing a game.
 37. A computer program product comprising: one or more non-transitory computer-readable mediums; program instructions, stored on at least one of the one or more non-transitory computer-readable mediums, for serving a set of one or more Web pages for an e-commerce site of a commerce partner to one or more remotely located client machines, wherein the Web pages are able to be rendered within a client-side browser as a graphical user interface on the one or more client machines, wherein upon being rendered within the client-side browser said graphical user interface shows a quantity of non-negotiable credits, wherein said non-negotiable credits are loyalty points of the loyalty program possessed by a member, wherein the loyalty points are maintained in a loyalty program account owned or controlled by the entity, wherein the entity redeems loyalty points per the loyalty point program for a restricted list of goods or services, wherein an agreement exists between the entity and the commerce partner, wherein the agreement permits members to purchase items from the e-commerce site by redeeming the loyalty points at the e-commerce site, wherein the agreement specifies that the entity is to compensate the commerce partner in an agreed upon amount of cash or credit for each of the member held non-negotiable credits that are redeemed through the e-commerce site; program instructions, stored on at least one of the one or more non-transitory computer-readable mediums, for receiving item selections from the member to purchase items via the e-commerce site; program instructions, stored on at least one of the one or more non-transitory computer-readable mediums, for adjusting a served set of Web pages to place the set of items within a shopping cart of the e-commerce Web site, wherein the set of items are not in the restricted list; program instructions, stored on at least one of the one or more non-transitory computer-readable mediums, for adjusting a served set of Web pages to place the set of items within a shopping cart of the e-commerce Web site; program instructions, stored on at least one of the one or more non-transitory computer-readable mediums, for providing a set of checkout options for items in the shopping cart, wherein the checkout options include an option to pay for the items in the shopping cart using negotiable funds, wherein the checkout options further include an option for paying for the items using loyalty points that the member has earned through a loyalty program of an entity, wherein the loyalty program is not a loyalty program of the commerce partner; program instructions, stored on at least one of the one or more non-transitory computer-readable mediums, for receiving a user selection of an option to pay for the items in the shopping cart using loyalty points; program instructions, stored on at least one of the one or more non-transitory computer-readable mediums, for, responsive to receiving the user selection, processing the selection to effectuate changes in the served set of Web pages; program instructions, stored on at least one of the one or more non-transitory computer-readable mediums, for, responsive to the processing, serving one or more Web pages or Web page updates that include the effectuated changes to the one or more remotely located client machines, wherein upon being rendered within the client-side browser the graphical user interface is updated with the effectuated changes, wherein the updated graphical user interface shows that the one or more items previously in the shopping cart have been purchased by expending quantities of the loyalty points; and program instructions, stored on at least one of the one or more non-transitory computer-readable mediums, for recording expended quantities of loyalty points as proof to ensure the commerce partner receives compensation from the entity for redeeming the quantity of loyalty points per the agreement.
 38. The computer program product of claim 37, wherein the loyalty program is a credit card loyalty program, wherein the entity is a financial service company that provides a credit card to the member.
 39. The computer program product of claim 37, wherein the loyalty program is a hotel loyalty program, wherein the restricted list of goods or services comprise lodging services.
 40. The computer program product of claim 37, wherein the loyalty program is an airline loyalty program, wherein the restricted list of goods or services comprise travel services for an airline.
 41. An e-commerce server comprising: one or more processors; one or more non-transitory computer-readable mediums; program instructions, stored on at least one of the one or more non-transitory computer-readable mediums, for initiating a commerce transaction between a member and a commerce partner, wherein the commerce partner owns or controls an online shopping site through which the commerce transaction takes place; program instructions, stored on at least one of the one or more non-transitory computer-readable mediums, for receiving a selection from the member of one or more items for purchase through the online shopping site; program instructions, stored on at least one of the one or more non-transitory computer-readable mediums, for, responsive to receiving the selection, adding the one or more items per the selection to a shopping cart of the online shopping site, wherein the shopping cart is a shopping cart for the member; program instructions, stored on at least one of the one or more non-transitory computer-readable mediums, for, after the shopping cart includes the one or more items, providing a plurality of options through which the member is able to pay for the items in the shopping cart, wherein the plurality of options include an option to pay for the items in the shopping cart using negotiable funds, wherein the options further include an option for paying for the items using loyalty points that the member has earned through a loyalty program of an entity, wherein the loyalty program is not a loyalty program of the commerce partner; wherein the entity is not a parent or subsidiary of the commerce partner, wherein the commerce partner is not a parent or subsidiary of the entity, wherein said loyalty points are non-negotiable credits, wherein the loyalty points are maintained in a loyalty program account owned or controlled by the entity, wherein the entity redeems loyalty points per the loyalty point program for a restricted list of goods or services, wherein the one or more items in the shopping cart are not in the restricted list; wherein an agreement exists between the entity and the commerce partner, wherein the agreement permits members to purchase items from the online shopping site by redeeming earned loyalty points at the online shopping site, wherein the agreement specifies that the entity is to compensate the commerce partner in an agreed upon amount of cash or credit for sets of loyalty point that are redeemed through the online shopping site, wherein compensation received by the commerce partner per the agreement is at least sufficient to offset costs to the commerce partner of providing the member with the one or more items in the shopping cart through the online shopping site, wherein in absence of the agreement through which compensation is obtained for redeemed loyalty points, the commerce partner does not redeem the loyalty points via the online shopping site; program instructions, stored on at least one of the one or more non-transitory computer-readable mediums, for receiving a selection of the option from the online shopping site to pay for the items in the shopping cart by expending a quantity of the loyalty points; program instructions, stored on at least one of the one or more non-transitory computer-readable mediums, for, responsive to receiving the option to pay using loyalty points, completing a checkout process of the online shopping site, wherein during the checkout process the member pays for the one or more items in the shopping cart by expending the quantity of loyalty points; program instructions, stored on at least one of the one or more non-transitory computer-readable mediums, for, after the checkout process, indicating to the member via the online shopping site that the one or more items have been purchased; and program instructions, stored on at least one of the one or more non-transitory computer-readable mediums, for recording the quantity of loyalty points redeemed during the checkout process as proof to ensure the commerce partner receives compensation from the entity for redeeming the quantity of loyalty points per the agreement.
 42. The e-commerce server of claim 41, wherein the online shopping site is an e-commerce Web site.
 43. The e-commerce server of claim 41, wherein shopping via the online shopping site earns the member different loyalty points in a different loyalty program that is owned or controlled by the commerce partner.
 44. The e-commerce server of claim 43, wherein the online shopping site converts the quantity of loyalty points into a quantity of different loyalty points during the checkout process, wherein a resulting quantity of different loyalty points are used to pay for the one or more items.
 45. The e-commerce server of claim 41, wherein the online shopping site permits the member to expend quantities of a plurality of different loyalty program points from a plurality of different programs controlled by a plurality of different companies, during the checkout process to pay for the one or more items in the shopping cart, wherein the different companies include the entity.
 46. The e-commerce server of claim 41, wherein computing equipment performing at least a portion of the steps of the method is computing equipment for serving Web pages of the online shopping site to customers.
 47. The e-commerce server of claim 41, wherein the loyalty program is a credit card loyalty program, wherein the entity is a financial service company that provides a credit card to the member.
 48. The e-commerce server of claim 41, wherein the loyalty program is a hotel loyalty program, wherein the restricted list of goods or services comprise lodging services.
 49. The e-commerce server of claim 41, wherein the loyalty program is an airline loyalty program, wherein the restricted list of goods or services comprise travel services for an airline.
 50. The e-commerce server of claim 41, wherein the loyalty points comprise points earned from playing a game.
 51. A loyalty program server comprising: one or more processors; one or more non-transitory computer-readable mediums; at least one computing device, executing program instructions stored in at least one non-transitory storage medium, establishing an account for loyalty points of a loyalty program of an entity, wherein said loyalty points are non-negotiable credits earned by a member of the loyalty program, wherein the loyalty points are maintained in a loyalty program account owned or controlled by the entity, wherein the entity redeems loyalty points per the loyalty point program for a restricted list of goods or services; at least one computing device, executing program instructions stored in at least one non-transitory storage medium, detecting interactions between the entity and at least one of the one or more users, each of the interactions earning a quantity of loyalty points, wherein the quantity of non-negotiable credits from the interactions are added to the account; wherein an agreement exists between the entity and a commerce partner, wherein the commerce partner owns or controls an online shopping site through which the commerce transaction takes place, wherein the agreement permits members to purchase items from the online shopping site that have already been placed in a shopping cart for checkout by redeeming the loyalty points of the account at the online shopping site, wherein redeemed loyalty points offset costs charged by the commerce partner for the items in the shopping cart, wherein the online shopping site permits items placed in the shopping cart to be paid for by expending quantities of the loyalty points, by expending quantities of negotiable funds, or by expending quantities of the loyalty points and by expending quantities of negotiable funds, wherein the agreement specifies that the entity is to compensate the commerce partner in an agreed upon amount of cash or credit for each of the member possessed loyalty points that are redeemed through the online shopping site, wherein compensation received by the commerce partner per the agreement is at least sufficient to overcome costs to the commerce partner of providing the member with the items in the shopping cart paid for using the loyalty points, wherein in absence of the agreement through which compensation is obtained for redeemed loyalty points, the commerce partner does not redeem the loyalty points; at least one computing device, executing program instructions stored in at least one non-transitory storage medium, receiving a message from the online shopping site that a quantity of loyalty points were redeemed during a checkout process to pay for items placed in a shopping cart of the online shopping site; at least one computing device, executing program instructions stored in at least one non-transitory storage medium, subtracting the quantity of the loyalty points from the account; and at least one computing device, recording the quantity of loyalty points redeemed during the checkout process to ensure the commerce partner receives compensation for redeeming the quantity of loyalty points from the entity per the agreement, wherein the entity is not a parent or subsidiary of the commerce partner, wherein the commerce partner is not a parent or subsidiary of the entity, wherein said loyalty points are non-negotiable credits, wherein items from the online shopping site are not in the restricted list of goods or services.
 52. The loyalty program server of claim 51, wherein the online shopping site is an e-commerce Web site.
 53. The loyalty program server of claim 51, wherein the loyalty program is a credit card loyalty program, wherein the entity is a financial service company that provides a credit card to the member.
 54. The loyalty program server of claim 51, wherein the loyalty program is a hotel loyalty program, wherein the restricted list of goods or services comprise lodging services.
 55. The loyalty program server of claim 51, wherein the loyalty program is an airline loyalty program, wherein the restricted list of goods or services comprise travel services for an airline.
 56. The loyalty program server of claim 51, wherein the loyalty points comprise points earned from playing a game.
 57. A Web server comprising: one or more processors; one or more non-transitory computer-readable mediums; a computer serving a set of one or more Web pages for an e-commerce site of a commerce partner to one or more remotely located client machines, wherein the Web pages are able to be rendered within a client-side browser as a graphical user interface on the one or more client machines, wherein upon being rendered within the client-side browser said graphical user interface shows a quantity of non-negotiable credits, wherein said non-negotiable credits are loyalty points of the loyalty program possessed by a member, wherein the loyalty points are maintained in a loyalty program account owned or controlled by the entity, wherein the entity redeems loyalty points per the loyalty point program for a restricted list of goods or services, wherein an agreement exists between the entity and the commerce partner, wherein the agreement permits members to purchase items from the e-commerce site by redeeming the loyalty points at the e-commerce site, wherein the agreement specifies that the entity is to compensate the commerce partner in an agreed upon amount of cash or credit for each of the member held non-negotiable credits that are redeemed through the e-commerce site; the computer receiving item selections from the member to purchase items via the e-commerce site; the computer adjusting a served set of Web pages to place the set of items within a shopping cart of the e-commerce Web site, wherein the set of items are not in the restricted list; the computer adjusting a served set of Web pages to place the set of items within a shopping cart of the e-commerce Web site; the computer providing a set of checkout options for items in the shopping cart, wherein the checkout options include an option to pay for the items in the shopping cart using negotiable funds, wherein the checkout options further include an option for paying for the items using loyalty points that the member has earned through a loyalty program of an entity, wherein the loyalty program is not a loyalty program of the commerce partner; the computer, receiving a user selection of an option to pay for the items in the shopping cart using loyalty points; the computer responsive to receiving the user selection, processing the selection to effectuate changes in the served set of Web pages; responsive to the processing, the computer serving one or more Web pages or Web page updates that include the effectuated changes to the one or more remotely located client machines, wherein upon being rendered within the client-side browser the graphical user interface is updated with the effectuated changes, wherein the updated graphical user interface shows that the one or more items previously in the shopping cart have been purchased by expending quantities of the loyalty points; and the computer recording expended quantities of loyalty points as proof to ensure the commerce partner receives compensation from the entity for redeeming the quantity of loyalty points per the agreement.
 58. The Web server of claim 57, wherein the loyalty program is a credit card loyalty program, wherein the entity is a financial service company that provides a credit card to the member.
 59. The Web server of claim 57, wherein the loyalty program is a hotel loyalty program, wherein the restricted list of goods or services comprise lodging services.
 60. The Web server of claim 57, wherein the loyalty program is an airline loyalty program, wherein the restricted list of goods or services comprise travel services for an airline. 